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Home Insurance

Own a home? You should have a Homeowner’s Policy which also covers:

Outdoor Equipment

The building itself, including any outdoor swimming pools and attached equipment. This also includes outdoor trees, shrubs and plants.

Other Structures

Detached garages, sheds, or outbuildings.

Condo Insurance

Own a condo? You should have a Condominium Policy which also covers:

Upgrades

Any upgrades to your condo, things like counter tops or cabinets that you couldn’t take with you if you left.

Condo Corp

The condo corporation is responsible for insuring the building itself, but if their insurance is inadequate each condo unit owner can be asked to kick in. You have an allowance just in case.

Common Areas

The condo corporation could also ask you to pay a share of any repair costs for common areas which your insurance would cover.

Tenant Insurance

Renters: There is no coverage for the building itself because your landlord insures that.

Good

Common Names:

Bronze or Named Perils

—–

Important Differences:

Fire, Lightning & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects

—–

Special Limits apply to Jewelry, Sports Equipment, and Business Equipment

Lower limits

—–

Cost

Least Expensive

Better

Common Names:

Silver or Broad Form

—–

Important Differences:

In addition:
Damage from spills such as paint, bleach or pets, Lost luggage

—–

Special Limits apply to Jewelry, Sports Equipment, and Business Equipment

Mid level limits

—–

Cost

Mid Range Price

Best

Common Names:

Gold or Comprehensive

—–

Important Differences:

In addition:
Includes mysterious disapearance

—–

Special Limits apply to Jewelry, Sports Equipment, and Business Equipment

Highest limits

—–

Cost

Most expensive

Insurance does not cover

Wear and Tear, Damage caused deliberately, Illegally acquired property, Riots or War Risks

OVERLAND WATER AND SEWER BACK UP

Weather patterns are changing and we are more frequently experiencing severe storms. Water causes a terrible mess and costs a lot to clean up. Buying up your water damage coverage is highly recommended

VALUABLES

You can buy additional coverage for your precious jewelry or art

HOME WARRANTY

It covers the cost to repair or replace central heating and air conditioning systems, electrical systems, owned water heaters, and other appliances when they breakdown.

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